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Thinkwise

599 N E St, San Bernardino, CA 92401
NCUA Insured4.6 (89 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1952

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

599 N E St

San Bernardino, CA 92401

Service Area

This credit union is located in San Bernardino and serves members in the CA area. Currently serving 6,177 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.02%

Used Auto Loan

6.24%

Personal Loan

6.15%

Credit Card APR

14.50%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.6

89 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Maria G Acevedo

Maria G Acevedo

9 months ago

I would like to say that I became a member today. It was the best banking experience all around. I spoke initially wit Kristy S. who open my bank account and she also went on to explain many more things that the bank and my current occupation offer. I immediately signed up and came out with a supply loan and $125 dollars to my name without from the bank. The best part is that I got a copy of my credit and if I choose to apply and move some things I can. Kristy also mentioned that after 90 days...I could apply for a personal loan. Lastly, family members and friends can join. Overall I am overwhelmed by joy by so many great things this bank truly has to offer. It takes the daily stress away and know that I can come in person to the branch and have my needs taken care off. Please don't hesitate to apply and walk out feeling like a millionaire. Great Benefits and Superior Customer Service all around! Maria

Jon Senour

Jon Senour

7 months ago

My dad had an account with Thinkwise Credit Union for many years before he passed away recently. I worked with Cynthia over the following months who was a tremendous help throughout the process of managing the account. Thank you Cynthia and Thinkwise!

Maria E Carino Marin

Maria E Carino Marin

4 months ago

I wished I could have known about this bank sooner. I am beyond blessed and grateful to be their client. Thank you, ThinkWise!

Brittany Zuniga

Brittany Zuniga

a year ago

I absolutely LOVE Thinkwise Credit Union. I started with them 16 years ago to open my first bank account with my first paycheck, and I’ve happily been with them since! I’ve had several auto and personal loans through Thinkwise, their rates are always competitive! I walked in just this last week to open a CD for my son, and immediately David was so helpful and quickly got me to where I needed to be. I shared great conversation and laughs with Elizabeth, Bertin, and Monica while they were setting up the account. Then before leaving, I shared more conversation and laughs with Lisette and Theresa! Moises is also always quick to help with a smile. The customer service is just absolutely unparalleled! Every time I go into the bank it feels like I’m greeted and taken care of by family! I refer everyone I know to Thinkwise!

Janet Inge

Janet Inge

a year ago

I've been with this CU for some time and have nothing but the best to say about their Care and commitment. Whether in person or over the phone. I've always had a pleasant experience and when needing assistance with loan or account information they are always pleasent and ready to help. All the staff I've dealt with are beautiful, especially Bertin from loan office. He never tires of my questions, he's honest and follows through. Thank you all for everything that you do!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).